Harney County, OR Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Harney County, Oregon? DLRadar grades every Harney County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 21/100. Here is the 2026 Harney County breakdown.
- Harney County's most distressed ZIP is 97710 at 21/100.
- 10 ZIP codes tracked in Harney County, averaging 20/100 distress.
- Harney County reads recovery — home values up 2.5% year over year.
- Vacancy runs 32.3% across Harney County's tracked ZIPs, with a 16.6% poverty rate.
- The typical Harney County home is worth about $370,917 against a ~$70,856 median income.
- Lending headwind in Harney County sits at 36/100 — a forward read on distressed supply.
All numbers: DLRadar's monthly public-record distress index. Reuse is welcome with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 97710 | 21/100 |
| 2 | 97720 | 21/100 |
| 3 | 97721 | 21/100 |
| 4 | 97722 | 21/100 |
| 5 | 97732 | 21/100 |
| 6 | 97736 | 21/100 |
| 7 | 97738 | 21/100 |
| 8 | 97904 | 21/100 |
| 9 | 97758 | 18/100 |
| 10 | 97754 | 15/100 |
Most distressed ZIP codes in Harney County (composite distress 0-100, 2026)
What is driving Harney County distress
DLRadar builds Harney County's distress picture only from records anyone can pull; its ZIPs average 20/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Harney County market phase and pricing
Harney County reads recovery — home prices rose 2.5% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Harney County
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What people ask
Which ZIP code leads Harney County on distress?
ZIP 97710 leads Harney County at 21/100, recomputed monthly from public records.
Where is Harney County in the housing cycle?
The market phase for Harney County is recovery, prices rising 2.5% on the year — derived from the FHFA House Price Index path.
Which datasets feed the Harney County scores?
Harney County draws on FHFA (recovery trajectory), CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS — every one a public source. The scoring model does not change between counties, so these 10 ZIPs are comparable to anywhere else.
How much do distress scores vary between Harney County ZIP codes?
A single county score papers over real variation. Across the Harney County ZIPs DLRadar ranks, scores run from 21/100 in 97710 down to 15/100 in 97754, against a Harney County average of 20/100. With 6 points between best and worst, county-level targeting in Harney County wastes effort.
What do Harney County home values and vacancy say about distressed supply?
The typical Harney County home carries about $370,917 of value against a median household income near $70,856. Vacancy across Harney County's tracked ZIPs runs 32.3% and the poverty rate is 16.6%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Harney County's foreclosure and tax-lien filings and its 36/100 lending headwind.
Related
DLRadar scores property distress from public records by deterministic formulas — not investment, legal, or financial advice. Figures refresh monthly from the live index.